411 Locke Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 411 Locke Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,308 sqft · built 2009
Lot Size	0.118 acres (5,140 sqft)
Owner	Individual Name on File
Tax Bill	$8,543 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit Jan 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-215-12`

Property Details

APN / Parcel Number

Primary APN	`044-215-12`
Alternative APN	`044-215-12-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,308 sqft Living Area
Gross Area	2,601 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,140 sqft (0.118 acres)
Garage Type	Attached
Garage Area	293 sqft
Parking Spaces	1 Parking Space
Deck Area	765 sqft
Patio Area	765 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	411 LOCKE DR
City	APTOS
State	CA
Zip	95003-5235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPS 01
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
Census Tract	122203

Owner

411 Locke Dr is owned and occupied by an individual who acquired it in January 2020.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	411 LOCKE DR, APTOS, CA 95003-5235
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jan 8, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 3, 2020
Transfer Doc	0000000700
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	411 LOCKE DR, APTOS, CA 95003-5235
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036050
Date	Nov 19, 2019
Instrument	2019-0036050

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 7, 2049

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 8, 2020
Property Address	411 LOCKE DR, APTOS, CA 95003-5235
Document Number	0000000700
Instrument Date	Jan 3, 2020
Instrument	700
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	411 LOCKE DR APTOS CA 950035235, APTOS, CA 95003-5235

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 5, 2019
Property Address	411 LOCKE DR, APTOS, CA 95003-5235
Document Number	0000034423
Instrument Date	Nov 5, 2019
Instrument	34423
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2799 MARSH DR SAN RAMON CA 945832050, SAN RAMON, CA 94583-2050

Tax Assessment & Valuation

The 2025 property tax bill for 411 Locke Dr was $8,543 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$652,409 (+5.17%) Land $143,073 Building $509,336
2025	$8,543.00 Homeowner's exemption	$620,317 Land $140,268 Building $480,049
2023	$7,711.00 (+2.43%) Homeowner's exemption	$596,229 Land $134,821 Building $461,408	$1,531,170
2022	$7,528.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 411 Locke Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 411 Locke Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Locke Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures